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American Airlines Federal Cred

Ft. Worth, TX

American Airlines Federal Cred processed 5,355 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,588 loans with a 26.6% denial rate. Home Improvement was the primary loan purpose. Based in Ft. Worth, TX. The approval rate of 48.3% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. American Airlines Federal Cred's 48.3% origination rate tells you how often an application turned into funded money; the 26.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit application incomplete, Collateral, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (5,355 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

5,355
Applications
2,588
Originated
26.6%
Denial Rate
$219,308
Avg Loan Amount
Avg Interest Rate: 6.915% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 5,355 2,588 1,426 $219,308

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for American Airlines Federal Cred (LEI: 5493004RLLKTQS8K7U51) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit application incomplete
439
Collateral
342
Debt-to-income ratio
338
Credit history
259
Unverifiable information
138
Other
80
Mortgage insurance denied
13
Insufficient cash
8

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 1,953 1,120 $108,333
Home Purchase 1,951 808 $390,556
Other 1,005 448 $98,333
Refinancing 234 135 $215,427
Cash-out Refinancing 212 77 $243,443

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,881 53.0% 22.4%
Black or African American 648 39.0% 36.9%
Asian 281 40.6% 26.3%
Joint 104 51.0% 16.4%
American Indian or Alaska Native * 49 46.9% 32.6%
Native Hawaiian or Other Pacific Islander * 22 27.3% 36.4%
2 or more minority races * 16 31.3% 43.8%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 3,027 51.0% 22.6%
Hispanic or Latino 1,020 42.0% 37.0%
Joint 165 51.5% 13.3%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare American Airlines Federal Cred vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did American Airlines Federal Cred process?
American Airlines Federal Cred processed 5,355 mortgage applications in the 2024 HMDA reporting year. Of these, 2,588 were originated (approved and funded), 302 were withdrawn by the applicant, and 1,426 were denied.
What is American Airlines Federal Cred's mortgage approval rate?
American Airlines Federal Cred has an approval (origination) rate of 48.3%, meaning 48.3% of all applications resulted in a funded mortgage. The denial rate is 26.6%.
What is the average loan amount at American Airlines Federal Cred?
The average mortgage loan amount at American Airlines Federal Cred is $219,308. The average interest rate is 6.915%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at American Airlines Federal Cred?
The most common reasons for mortgage denial at American Airlines Federal Cred are: Credit application incomplete, Collateral, Debt-to-income ratio. In total, 1,426 applications were denied out of 5,355 total applications.
What types of mortgage loans does American Airlines Federal Cred offer?
American Airlines Federal Cred processes Conventional loans. The most common type is Conventional with 5,355 applications and an average loan amount of $219,308.
What loan purposes does American Airlines Federal Cred serve?
American Airlines Federal Cred serves the following loan purposes: Home Improvement (1,953 applications), Home Purchase (1,951 applications), Other (1,005 applications), Refinancing (234 applications), Cash-out Refinancing (212 applications). Home Improvement is the most common purpose.
Where is American Airlines Federal Cred located?
American Airlines Federal Cred is headquartered in Ft. Worth, TX. The lender is identified by LEI 5493004RLLKTQS8K7U51 in HMDA data.
How does American Airlines Federal Cred compare in lending across racial demographics?
American Airlines Federal Cred reports demographic lending data under HMDA requirements. White applicants have an approval rate of 53.0% and denial rate of 22.4%; Black or African American applicants have an approval rate of 39.0% and denial rate of 36.9%; Asian applicants have an approval rate of 40.6% and denial rate of 26.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.